municipal bank, so i would say absolutely and i think if you look back at the history of cleanpower sf it took lafco to make sure that moved forward i think it would take lafco to go forward with a municipal bank and it's a regional bank and opportunities with other cities, and especially with regard to the ability of a municipal bank to do nonprofit and non interest loans for home ownership, for shall public profits, improving public housing, solving the housing program that we have in the city, low income and housing. it's. >> >> huge and a miewm bank could take us light years and i will second and third what commissioner avalos said. thank you. >> thank you. any other member of the public that would like to speak on item seven? seeing none public comment is closed. mr. fried. >> yeah. i wanted to add -- i am working on a memo for you to understand the areas that we could work on, big picture ways to approach -- trying to think of future topics so i will get that memo to you within the next week and happy to talk to you between now and the next meeting if you have questions. one thin